The privacy of your personal information has always been important to us at eChoice ABN 43 002 612 991 and its subsidiaries eChoice Home Loans Pty Ltd (ABN 61 069 528 463, Australian Credit Licence 390502) & eChoice.com.au Pty Ltd (ABN 59082 572 683 Australian Credit Licence 390528) and its related bodies corporate (we, us and our). We are committed to protecting your privacy. This policy explains how your personal information will be treated as you access and interact with our organisation and this website.
We are committed to protecting your privacy. This policy explains how your personal information will be treated as you access and interact with our organisation and this website.
We will manage personal information, including credit information, in an open and transparent manner. In doing so, we ensure that individuals are notified at the time of collecting their personal information:
We have appointed a Privacy Compliance Officer, who will deal with any queries regarding access to or correction of personal information or any privacy related complaints. The Privacy Compliance Officer can be contacted via email at firstname.lastname@example.org. We ensure all our employees are trained at regular intervals to ensure they understand our obligations under the Privacy Act, including the Australian Privacy Principles.
Generally, we are not able to deal with customers who do not wish to identify themselves. However, where possible and appropriate we will provide information of a general nature to unidentified individuals.
Weve built our websites so that you identify yourself only when you’re ready to learn more about our services, you wish to hear from us, or you wish to receive information from one of our financial services consultants, from other partners and from related companies.
We collect personal information for the following purposes:
We may collect sensitive information from individuals when they apply for an insurance related product. We only collect sensitive information directly from the individual and with the individuals consent.
We may also collect sensitive information when it has been provided as part of a loan application. Any sensitive information that is collected in this way is only used for the purpose for which it is provided, and is collected with the individuals consent. Where possible, we collect personal information directly from the individual.
eChoice partners include but are not limited to,
If we receive unsolicited personal information we will determine whether we could have collected that personal information by lawful and fair means, and whether it is related to one of the purposes of collecting personal information above. We will do this by looking at our relationship with the individual and whether the personal information relates to our relationship with them.
If we could not have collected the personal information by lawful and fair means, or the personal information does not relate to one of our purposes for collecting the personal information, we will destroy the personal information.
Sensitive information is any information about a persons racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information.
We will not ask you to disclose sensitive information, but if you elect to provide sensitive information it will also be captured and stored.
When we first collect personal information from an individual we will notify them that we have collected their personal information. We will require the individual to sign a notification and consent form detailing how we will use and disclose their personal information. This notification will provide the individual with information about:
If we know that as part of our relationship with the individual we will disclose their personal information to another identifiable entity, such as a specific lender, we will notify the individual of the following matters at the time we first collect their personal information:
The purpose of collecting an individuals personal information will be outlined in the notification and consent received by the individual.
If during our relationship with the individual we wish to use an individuals personal information for an additional purpose, we will obtain their consent unless the purpose is related to the primary purpose or we are permitted under law to do so.
We may use or disclose your personal information to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products and services offered by us or any company with whom we are associated. You can contact us at any time if you no longer want us to do this, see our Contact us details below.
In all our direct marketing communications, we will provide a prominent statement about how an individual can elect not to receive direct marketing. If the direct marketing communication is an email, we will provide an unsubscribe function within the email.
We will keep appropriate records to ensure those individuals that have made requests not to receive direct marketing communications do not receive them. We do not apply a fee to unsubscribe from direct marketing communications.
We do not sell personal information. We do not use sensitive information for direct marketing.
If we purchase personal information for the purposes of direct marketing, we will conduct appropriate due diligence to ensure appropriate consents from the individuals have been obtained.
We may use cloud storage and IT servers that may be located overseas to store the personal information we hold.
We do not use government related identifiers to identify individuals. We may receive tax file numbers in the course of assessing an application for credit; however, we do not use or disclose tax file numbers for any purpose.
We rely on individuals to help us to ensure that their personal information is accurate, up-to-date and complete. You may change your applicant details online while you are on our websites, or in conversation with our consultants. You may also update your details at any time before a loan settles by calling our offices or contacting us. We are as keen as you are to ensure that our information about you is accurate.
If we become aware that personal information is inaccurate, out-of-date or incomplete, such as when mail is returned, we will update our systems accordingly.
The security of your information is very important to us. We store information in different ways, including in paper and electronic form.
We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.
We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.
If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.
We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).
We take reasonable steps to protect your personal information, these include:
Any paper records are only accessible to employees and others as they are needed. We will usually destroy personal information that is held electronically and in paper form ten years after our relationship with the individual ends. We will do this by shredding paper copies and deleting electronic records containing personal information about the individual or permanently de-identifying the individuals within those records.
Individuals may request access to any personal information that we hold about them. We will not charge an individual for requesting access to their personal information.
We will verify the individuals identity prior to disclosing any personal information.
When an individual requests access to their personal information we will conduct a search of our customer relationship database. This search will also indicate if there are any paper records that contain personal information.
Providing we contact you, your call may be monitored or recorded for coaching and training purposes.
We will not give access to the personal information that we hold about an individual where it is unreasonable or impracticable to provide access, or in circumstances where the request would likely:
When we receive a request for access we will usually respond to the individual within 7 days. However, depending on the nature of the request we may provide the personal information when the request is made.
If the individual is requesting a large amount of personal information or the request cannot be dealt with immediately, then after we have investigated the request for access we will advise the individual what personal information we hold and provide details of that personal information.
We will comply with all reasonable requests by an individual to provide details of the personal information that we hold in the requested format.
If we do not provide access to the information we will provide written reasons setting out why we do not believe we need to provide access. We will also advise the individual they can access our Internal Dispute Resolution (IDR) and External Dispute Resolution (EDR) schemes if they are dissatisfied with a decision not to provide access to personal information.
If we hold personal information about an individual and we are reasonably satisfied that the information is inaccurate, out of date, incomplete, irrelevant or misleading, or we receive a request to correct the information, we will take reasonable steps to correct the information.
If we correct personal information that we have previously disclosed, we will take reasonable steps to notify the entity to which we disclosed the information of the correction. We may not always make corrections to an individuals personal information. When we do not make requested corrections, we will provide reasons for our refusal to make the correction and provide details of our Internal Dispute Resolution and External Dispute Resolution procedures.
If, after notifying the individual of our refusal to correct personal information, the individual requests us to issue a statement on the record that contains the personal information; we will take reasonable steps to do so.
Our website also contains links to the websites of third party providers of goods and services (Third Party websites).If you have accessed Third Party websites through our website and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties Where you access a Third Party website from our website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.
When you access our website after viewing one of our advertisements on a Third Party website, the advertising company collects information on how you utilise our website (for example, which pages you view) and whether you complete an online application.
A cookie is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.
We do not generally disclose personal information obtained from cookies to overseas entities in the course of our activities.
Your IP address is the identifier for your computer when you are using the internet. It may be necessary for us to collect your IP address for your interaction with various parts of our website.
When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require. Online applications that have been suspended or saved may be viewed by us.
We are a member of the Credit & Investments Ombudsman (CIO), previously known as Credit Ombudsman Services Limited. If you have been unable to resolve your complaint to your satisfaction, you can refer your complaint to CIO by visiting their website www.cio.org.au or phoning 1800 138 422.